What the Coastal Risk Score is not

This essay is sample analysis written for the Tiki Realty demonstration. It describes the permanent simulated dataset as of 1 October 2026. It is not a news report, not a forecast, and not advice.

Five factors make the score: flood 28 percent, storm 22, insurance pressure 20, sea level 18, and setting 12. Each factor is a 0–100 judgment stored on the fictional property. The score is the weighted sum, rounded. A house with every factor at 50 scores 50. A house that is all flood and nothing else scores 28.

That arithmetic is easy to audit and easy to over-read. It is not a FEMA zone, not a base-flood elevation, not a carrier's appetite, and not an engineer's opinion of a roof or a pile foundation. The insurance factor is not a premium. The sea-level factor is not a year of inundation.

The Investment Index then flips the score: 100 minus coastal risk becomes the risk offset, weighted at 20 percent of the index. A calmer demonstration pin helps the index. It does not make the water calmer. Read both numbers with the factor table open, or do not use them.